Electronic Disclosure & Consent

Your consent to receive documents and communications electronically.

Definitions

In this agreement, “we,” “us,” “our,” and “RETIRABLE” mean Retirable, Inc. “You” and “your” refer to the individual opening a RETIRABLE account or using any RETIRABLE product or service. “Communications” means disclosures, notices, agreements, fee schedules, statements, tax documents, privacy policies, records, documents, and other information we provide to you, or that you sign, submit, or agree to at our request.

Scope of Communications Covered

This consent applies to all Communications related to your RETIRABLE account and services, including but not limited to:

  • Account opening documents and agreements
  • Deposit account statements and transaction history
  • Debit card agreements and disclosures
  • Privacy policies and updates
  • Fee schedules and changes to fees
  • Tax documents (such as IRS Forms 1099)
  • Regulatory disclosures required by federal or state law
  • Notices regarding changes to terms and conditions
  • Security alerts and fraud notifications
  • Any other account-related correspondence

RETIRABLE is committed to providing the best online experience possible, including delivering information to you electronically. By accepting this agreement, you acknowledge that you have read and understand this disclosure, and you affirmatively consent to receive Communications in electronic form rather than paper form, as permitted by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.

Your consent to receive electronic Communications includes your consent to receive Communications that we are required by law to provide to you in writing. You agree that any Communications delivered to you electronically satisfy any legal requirement that such Communications be provided in writing.

If you do not consent to receive Communications electronically, you will not be able to open or maintain a RETIRABLE account. If you withdraw your consent to receive electronic Communications after opening an account, we reserve the right to close your account and/or charge reasonable fees for providing paper Communications going forward.

Delivery Methods

We will deliver Communications to you electronically through one or more of the following methods:

  • Website: Posting to your secure account at https://app.retirable.com
  • Email: Sending to the email address you have provided
  • Text/SMS: Sending to the mobile phone number you have provided (for alerts you have opted into)
  • Mobile App: Through push notifications or in-app messages (if applicable)

When we post Communications to your online account, we will send you an email notification alerting you that the Communication is available. It is your responsibility to log in and review such Communications promptly.

Hardware and Software Requirements

To access, receive, and retain electronic Communications from RETIRABLE, you must have:

  • A computer, smartphone, or tablet with internet access
  • A current, supported web browser (we recommend the latest version of Chrome, Safari, Firefox, or Edge)
  • A valid, active email address capable of receiving emails from us
  • Software capable of viewing PDF files (such as Adobe Acrobat Reader or a built-in PDF viewer)
  • Sufficient storage space to save Communications or a printer to print them for your records

We may update these requirements from time to time to maintain secure and effective electronic delivery. If we make material changes to these requirements, we will notify you and give you the opportunity to withdraw your consent if you are unable to meet the new requirements.

Updating Your Contact Information

You are responsible for keeping your email address, phone number, and mailing address current so that we can communicate with you electronically and, if necessary, in paper form. You may update your contact information at any time by:

If we send a Communication to the email address you have provided and it is returned as undeliverable, we may treat your account as inactive and may be unable to complete transactions on your behalf until you provide a valid email address.

Requesting Paper Copies

You have the right to request a paper copy of any electronic Communication. There is no fee for requesting paper copies. To request a paper copy, please contact us at [email protected] or call us at the number provided on our website. Please allow up to ten (10) business days for delivery of paper copies.

Your request for a paper copy will not be treated as a withdrawal of your consent to receive electronic Communications.

Communications in Writing

All Communications delivered to you in electronic form will be considered “in writing” and will have the same legal effect as if provided to you in paper form. You agree that electronic Communications satisfy any legal requirement that Communications be provided in writing.

You have the right to withdraw your consent to receive electronic Communications at any time. To withdraw your consent, email us at [email protected] with the subject line “Withdraw E-Consent.”

Please note that withdrawing your consent may result in the closure of your RETIRABLE account, as we are unable to service accounts without electronic Communication capabilities. If your account is closed due to withdrawal of consent, any remaining balance will be returned to you in accordance with your account agreement.

Withdrawal of consent will be effective only after we have had a reasonable opportunity to process your request, typically within ten (10) business days.

Changes to This Disclosure

We may amend this disclosure at any time. If we make material changes, we will notify you electronically in accordance with this agreement. Your continued use of your RETIRABLE account after such notice constitutes your acceptance of the amended terms.

Contact Us

If you have questions about this Electronic Disclosure and Consent or need assistance, please contact us: